Heat oven to 350 degrees.  Cook and stir beef and onion to brown and tender.  Stir in optional 15 oz. can refried beans, salt & pepper.

In another skillet dip tortillas in oil that is just hot enough to sizzle.  Put about 1/3 c. of meat mixture in each tortilla; topping with chopped tomato.  Then roll tightly.  Arrange tortillas seam side down, in oblong baking dish.  Pour cheese sauce over.

Cheese Sauce

Melt 1/2 c. butter over low heat.  Blend in 1/4 c. flour, 1/2 t. salt and 1/4 t. paprika.  Cook over low heat; stir til smooth.  Remove from heat.  Stir in 2 c. milk and 1 can enchilada sauce.  Heat to boiling, stirring constantly.  Boil 1 min.  Add 3/4 c. sliced olives, 4 drops hot pepper sauce, and 1 1/2 c. shredded Cheddar.  Stir until cheese melts.